| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| VEST BENEFIT SOLUTIONS3 | P.O. BOX 218 BARNHART, MO 63012 | GERBER LIFE INSURANCE COMPANY | $34K | — | $34K | 17.46% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| GERBER LIFE INSURANCE COMPANY EIN 83-4332957 STOP LOSS INS CARRIER | Other fees Service code 99 | 33 COMMERCIAL STREET 3RD FLOOR GLOUCESTER, MA 01930 | $193K |
| GROUP BENEFIT SERVICES EIN 43-1770779 THIRD PARTY ADMINISTRATOR | Recordkeeping fees; Claims processing; Recordkeeping and information management (computing, tabulating, data processing, etc.); Account maintenance fees Service code 12 | 1736 E SUNSHINE ST SPRINGFIELD, MO 65804 | $36K |
| VEST BENEFIT SOLUTIONS EIN 48-7640250 BROKER | Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | P.O. BOX 218 BARNHART, MO 63012 | $34K |
| HEALTHLINK OPEN ACCESS EIN 43-1364135 PPO NETWORK | Direct payment from the plan Service code 50 | 1000 WEST NIFONG BUILDING 3 SUITE 200 COLUMBIA, MO 65203 | $10K |
| PHCS / MULTIPLAN EIN 13-3068979 PPO NETWORK | Direct payment from the plan Service code 50 | 3345 MICHELSON DR STE 200 IRVINE, CA 92612 | $5K |
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 102 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 102 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | GERBER LIFE INSURANCE COMPANY | 102 | $193K |
| Prescription drug | GERBER LIFE INSURANCE COMPANY | 102 | $193K |
| Stop-loss / reinsurancereinsurance | GERBER LIFE INSURANCE COMPANY | 102 | $193K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 102 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.